Senath State Bank

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.senathstatebank.com

573-738-2646

117 East Commercial Street
Senath, MO 63876

Senath State Bank is headquartered in SENATH and is the 182^nd largest bank in the state of Missouri. It is also the 3,806^th largest bank in the nation. It was established in 1935 and as of March of 2025, it had grown to 16 employees at 3 locations. Senath State Bank's money market rates are 6X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Senath State Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	15101
Year Established	1935
Employees	16
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.98%
Return on Equity - YTD	13.79%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$99.4MM$99.5MM
Loans	Q1 2025vs Q1 2024	$53MM$53.7MM
Deposits	Q1 2025vs Q1 2024	$84.7MM$85.7MM
Equity Capital	Q1 2025vs Q1 2024	$14.6MM$13.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$785K$764K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$767K$3.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Senath State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$0	-	Savings

Senath State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.53%^*	$100k^*	$1000k	Money Market Account
OTHER TIERS: 1.26% → $0 - $2.5k \| 1.51% → $2.5k - $25k \| 1.77% → $25k - $50k \| 2.02% → $50k - $100k

Senath State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$0	-	NOW Account

Senath State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.80%	$0	-	6 Month CD
3.55%	$0	-	12 Month CD
3.29%	$0	-	18 Month CD
3.29%	$0	-	24 Month CD
2.52%	$0	-	3 Month CD
2.52%	$0	-	36 Month CD
2.52%	$0	-	48 Month CD
2.52%	$0	-	60 Month CD
2.27%	$0	-	30 Month CD

Locations

Senath State Bank Locations
Kennett Branch	1112 First Street	Kennett, MO 63857
Senath State Bank	117 E Commercial St	Senath, MO 63876
Drive-In Branch	202 North East Frisco Street	Arbyrd, MO 63821

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